Houston is a huge metro area and center of commerce for the state of Texas. That’s old news to the many residents of the most populated city in the state, known for its food (Tex-Mex, to be exact), it’s nightlife and culture. These attributes of Houston make up the diverse core of Harris County. Houston is a city of over 2 million people, the benefit of which is visible every day in the fabric of its citizens, businesses and cuisine. It’s really something to see.
That said, it’s also susceptible to hurricane damage. And when you have so many people in one city it can make for some infrastructure challenges that Houstans face in the shadow of the category 4 hurricane known simply as Laura.
Houstans were lucky by the looks of it, but that doesn’t mean you won’t need to make an insurance claim. If you experienced damage to your home or business due to Hurricane Laura, and your claim was denied or underpaid, you may be entitled to compensation. Contact Florin|Roebig for a free consultation from a hurricane insurance claims attorney, if this information resonates with you.
Why have hurricane insurance coverage in Houston, Texas?
Unlike nearby Jefferson and Galveston Counties, where the sister cities of Port Arthur and Galveston face the impact of Hurricane Laura, Harris County is not considered a “catastrophe zone.” Therefore, windstorm insurance, a type of insurance that covers wind damage and related damage from hurricanes, is not required. Flood insurance may only be required if you live in a designated FEMA flood zone.
However, even if your home purchase is not contingent on purchasing flood and windstorm insurance, you may want to consider it anyway. For one, insurance programs are designed to protect consumers should they ever take a straight on hit from a category 4 hurricane, like Laura. As such, having insurance makes you far more likely to recoup money from your losses than not having insurance.
But even if your insurance under pays your claim or flat out denies it, if you have flood and wind storm insurance you can fight the claim denial or underpayment by hiring a roof and flood attorney like the Houston hurricane damage insurance claims lawyers at Florin|Roebig. If you don’t have insurance it’s much harder to recover money in the event of a catastrophic weather event.
While Hurricane Laura had little direct impact on Houston, some residents can remember the devastation caused by 2008’s Hurricane Ike, or 2017’s Hurricane Harvey. Hurricane Harvey was the second-costliest hurricane in United States history between 1900 and today, and it could happen again, with Hurricane Laura.
Not only did Harvey create damage at an unprecedented rate, but Harvey’s devastation broke another record, too. It was the wettest hurricane in history, releasing a daunting 27 trillions of tons of water onto Texas as it raged through Texas devastating what was in its path.
If you’re in Texas, you need to be prepared for the worst. And if the worst should happen give Florin|Roebig a call.
Hurricane Laura Damage In Houston
Hurricane Laura caused much damage in Houston’s neighboring counties. In Port Arthur and Jefferson Counties reports of caved-in roofs, rooted trees and general disarray are causing chaos and confusion for local citizens. While Houston missed the largest part of the storm, it wasn’t without hurricane damage.
Property Damage Frequently Caused By Windstorms and Hurricanes
Hurricanes themselves are destructive, but they can also cause a host of other natural disasters that can amplify the damage left in a hurricane’s wake. Wind damage is a common type of destruction property owners see in the midst of a hurricane. Property damage that may result from very strong winds include:
- Roof lifting: Roof lifting is just as it sounds – your roof lifts off of your home or other property and either comes completely off or leaves behind serious damage.
- Roof damage: In addition to roof lifting, other damage can happen to your roof during a hurricane. This can ultimately result in the need for a full roof replacement.
- Structural damage: Strong winds can blow down trees and power lines. These have the potential to fall on your home bringing down sections of your homes walls, roof, or other structures like a shed.
- Garage door damage: Garage doors are often very susceptible to damage caused by high winds and can blow in, blow down, or become damaged in another way. Your cars can suffer damage from this and potentially cause your cars to be totaled.
- Broken windows: Broken windows are very common in high winds and can leave the rest of your residence or property susceptible to damage.
- Moisture damage: High winds can blow in water and leave your home exposed, making the growth of mold and mildew highly likely. When a window seal is broken from hurricane gust winds, water damage is likely to occur.
- Damaged siding: Debris that is blown around due to high winds can cause damage to your property’s siding.
- Door loss: High winds can cause doors to blow in or even to come off of their hinges completely, requiring door replacement once the hurricane has passed.
- Sliding glass doors: Strong winds can break the seal around the sliding glass doors causing serious water intrusion. This can lead to mold and other moisture problems.
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Understand Your Coverage
If you experienced hurricane damage like a collapsed roof or broken shingles, broken windows, flooding or projectile objects coming through your home and you have hurricane insurance in Houston, you may be able to recover more for your claim. That’s why it’s important to understand the terms of your coverage like coverage limits and deductibles before you file a claim.
You should also know what kind of coverage you have. If you have regular homeowner’s insurance in Houston, you may not be aware that your coverage doesn’t include windstorm or flood insurance. To prepare for hurricane season, it’s always a good idea to review your insurance. If you have questions, a hurricane damage insurance attorney can help you.
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Hurricane Damage Insurance Claims Lawyer Houston, Texas
Don’t wait to contact a Houston-area hurricane damage insurance claims lawyer if you have storm damage from Hurricane Laura. At Florin|Roebig, we have a real person standing by to take your call when you need it most. We understand Texas Hurricane law and have a long history of serving Houston clients. Before or after you’ve filed a claim, contact Florin|Roebig today for a free case evaluation.